We have taken delegates on our Ecuador real estate tours to the Balsamaragua gated community for the past dozen or so years because of this incredible view!

The development is excellent. I have never seen a better view.

The project is wonderful. Here are…

delegates on one of our…

Ecuador property tours heading to the Balsamaragua restaurant for lunch and a…

look round. This is Bolivar our driver and two delegates.

Here are some of…

the

existing…

homes in…

Balsamaragua.

A new builder “Crucita Homes” is building houses in the Balsamaragua community now.

Here is a paid advertisement that Crucita Homes has placed for you.

Crucita Homes is a custom home building company dedicated to quality construction with excellent craftsmanship and service. Crucita Homes is now building the most spectacular custom built homes on some of the most prime beach properties in Crucita, Ecuador. Our craftsmanship and expertise shows in the details of every home we build. Our goal is not just to build your home, but to listen to all your individual needs so that we may create your dream home! We are now building in Villa Balsamaragua with spectacular views of the Pacific Ocean and coastal city of Crucita…in the distance, you can also see the city lights of Manta. This is a gated community in one of the safest villages in Ecuador.

Crucita is a lovely seaside town, situated about a 50 minutes drive from Portoviejo, the capital city of the Manabi Province of Ecuador. A popular holiday destination, especially during carnival, the friendly people of Crucita welcome visitors to enjoy the long stretches of sandy beach, the sights and sounds of an abundant variety of sea-birds, and the magnificent cliffs rising up from the beach situated south of the town that are considered by many to be the best in Ecuador for recreational hang-gliding and paragliding.

Here is a current house for sale.

This home is being constructed in the most desired gated community of Villa Balsamaragua, and is one of approximately 22 luxury homes in this community. This featured home is projected to be complete by June of 2010. There are approximately 5000 square feet under air, and 3000 square feet of deck space. This luxury home has been built with all American standards. It also includes the best furniture available in Ecuador. The windows alone are valued at over $15,000. This home also has a generator on-site as well as many other upgrades. The master bedroom is 1000 square feet as well as the master bath. The home has a total of 6 bedroom and 5 baths, and will soon be featured in ECUADOR BETTER HOMES. The list price of this magnificent home is $749,000.

See more about this house and the Villa Balsamaragua community at Crucita Homes

For more information on the house above and lots for sale in the Villa Balsamaragua community contact Ron Steinhoff at crucitahomes@gmail.com

Gary

How We Can Serve You

How to Have Real Safety

There are only three reasons why we should invest. We invest for income. We invest to resell our investments for more than we had invested. We invest to make our world a better place.

We should not invest for fun, excitement or to get rich quick, or in a panic due to market corrections.

This is why the core Pi model portfolio (that forms the bulk of my own equity portfolio) consists of 19 shares and this position has not changed in over two years. During these two years we have been steadily accumulating the same 19 shares and have not traded once.

The portfolio has done well in 2017, up 22.6%, better than the DJI Index.

However one or even two year’s performance is not enough data to create a safe strategy.

The good value portfolio above is based entirely on good value financial information and mathematically based safety programs developed around models that date back 91 and 24 years.

The Pifolio is a theoretical portfolio of MSCI Country Benchmark Index ETFs that cover all the good value markets developed combining my 50 years of investing experience with study of the mathematical market value analysis of Keppler Asset Management and the mathematical trend analysis of Tradestops.com.

In my opinion, Keppler is one of the best market statisticians in the world. Numerous very large fund managers, such as State Street Global Advisers, use his analysis to manage over $2.5 billion of funds.

The Pifolio analysis begins with Keppler who continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return. He compares each major stock market’s history.

Michael Kepler CEO Keppler Asset Management.

Michael is a brilliant mathematician. We have tracked his analysis for over 20 years. He continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return. He compares each stock market’s history. From this, he develops his Good Value Stock Market Strategy and rates each market as a Buy, Neutral or Sell market. His analysis is rational, mathematical and does not cause worry about short term ups and downs. Keppler’s strategy is to diversify into an equally weighted portfolio of the MSCI Indices of each BUY market.

This is an easy, simple and effective approach to zeroing in on value because little time, management and guesswork is required. You are investing in a diversified portfolio of good value indices.

A BUY rating for an index does NOT imply that any stock in that country is an attractive investment, so you do not have to spend hours of research aimed at picking specific shares. It is not appropriate or enough to instruct a stockbroker to simply select stocks in the BUY rated countries. Investing in the index is like investing in all the shares in the index. You save time because all you have to do is invest in the ETF to gain the profit potential of the entire market.

To achieve this goal of diversification the Pifolio consists of Country Index ETFs.

Country Index ETFs are similar to an index mutual fund but are shares normally traded on a major stock exchange that tracks an index of shares in a specific country. ETFs do not try to beat the index they represent. The management is passive and tries to emulate the performance of the index.

A country ETF provides diversification into a basket of equities in the country covered. The expense ratios for most ETFs are lower than those of the average mutual fund as well so such ETFs provide diversification and cost efficiency.

30% of the Pifolio is invested in Keppler’s good value (BUY rated) emerging markets: Brazil, Chile, China, Colombia, the Czech Republic, South Korea, Malaysia and Taiwan.

The Pifolio consists of iShares ETFs that invested in each of the MSCI indicies of the good value BUY markets.

For example, the iShares MSCI Australia (symbol EWA) is a Country Index ETF that tracks the investment results the Morgan Stanley Capital Index MSCI Australia Index which is composed mainly of large cap and small cap stocks traded primarily on the Australian Stock Exchange mainly of companies in consumer staples, financials and materials. This ETF is non-diversified outside of Australia.

iShares is owned by Black Rock, Inc. the world’s largest asset manager with over $4 trillion in assets under management.

Pi uses math to reveal the best value markets then protects its positions using more math created by Richard Smith founder and CEO of Tradestops.com to track each share’s trend.

We use Smith’s algorithms that calculate momentum of the good value markets.

The Stock State Indicators at Tradestops.com act as a full life-cycle measure that indicates the health of each stock. They are designed to tell you at a glance exactly where any stock stands relative to Dr. Smith’s proprietary algorithms.

Kepppler’s analysis shows the value of markets. The SSI signal indicates the current trend of each stock (performing well, or in a period of correction, or stopped out).

The SSI tells you one of five things:

Akey component of the Stock State Indicator (SSI) system is momentum based on the latest 521 days of trading. A stock changes from red to green in the SSI system only after it has already gone up a healthy amount and has started a solid uptrend.

How SSI Alerts Are Triggered

If the position has already moved more than its Volatility Quotient below a recent high, the SSI Stop Loss will trigger. This is an indicator that the position has corrected more than what is normal for this stock. It means to take caution.

Below is an example of how SSIs work. This example shows the Developed Market Pifolio that we track at Tradestops.com.

Equal Weight Good Value Developed Market Pifolio.

At the time this example was copied, all the ETFs in the Developed Market Pifolio (above) currently had a green SSI.

We do not know when the US market will fall. We only do know that it will. We also do not know if, when the US market corrects, global markets will follow or rise instead.

The fact that the Pifilios are invested in good value markets reduces long term risk.

Additional protection is added by using trailing stops based on the 521 day momentum of each stock in the Pifolio.

Take for example the graph below from our Tradestops account that shows the iShares MSCI United Kingdom ETF. This ETF had a green SSI and a Volatility Index (VQ) of 13.26%. This means the share can move 13.26% before there is a trend shift.

iShares MSCI United Kingdom ETF (Symbol EWU)

Pi purchased the share at$31.26 and in this example the share was $34.43 and rising. Tradestop’s algorithms suggested that if the price drops to $31.69 its momentum would have stopped and it would have shifted into trading sideways. The stop loss price is currently $29.86. If EWU continues to rise, both the yellow warning and the stop loss price will rise as well.

When the US stock market bull ends, know one knows for sure how long or how severe the correction will be.

When the bear arrives, what will happen to global and especially good value markets?

No one knows the answer to this question.

What we do know is that the equally weighted, good value market Pifolios have the greatest potential long term and that math based trailing stops can be used to protect against a secular global stock market correction when it comes.

My fifty years of global investing experience helps take advantage of numerous long term cycles that are part of the universal math that affects all investments.

What you get when you subscribe to Pi.

You immediately receive a 120 page basic training course that teaches the Pi Strategy. You learn all the Pi strategies, what they are, how to use them and what each can do for you, your lifestyle and investing.

You also begin receiving regular emailed Pifiolio updates and online access to all the Pifolio updates of the last two years. Each update examines the current activity in a Pifolio, how it is changing, why and how the changes might help your investing or not.

Included in the basic training is an additional 120 page PDF value analysis of 46 stock markets (23 developed markets and 23 emerging stock markets). This analysis looks at the price to book, price to earnings, average yield and much more.

You also receive two special reports.

In the 1980s, a remarkable set of two economic circumstances helped anyone who spotted them become remarkably rich. Some of my readers made enough to retire. Others picked up 50% currency gains. Then the cycle ended. Warren Buffett explained the importance of this ending in a 1999 Fortune magazine interview. He said: Let me summarize what I’ve been saying about the stock market: I think it’s very hard to come up with a persuasive case that equities will over the next 17 years perform anything like—anything like—they’ve performed in the past 17!

I did well then, but always thought, “I should have invested more!” Now those circumstances have come together and I am investing in them again.

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar. The two conditions are in place again!

30 years ago, the US dollar rose along with Wall Street. Profits came quickly over three years. Then the dollar dropped like a stone, by 51% in just two years. A repeat of this pattern is growing and could create up to 50% extra profit if we start using strong dollars to accumulate good value stock market ETFs in other currencies.

This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago. The trends are so clear that I have created a short, but powerful report “Three Currency Patterns for 50% Profits or More.” This report shows how to earn an extra 50% from currency shifts with even small investments. I kept the report short and simple, but included links to 153 pages of Good Value Stock Market research and Asset Allocation Analysis.

The report shows 20 good value investments and a really powerful tactic that shows the most effective and least expensive way to accumulate these bargains in large or even very small amounts (less than $5,000). There is extra profit potential of at least 50% so the report is worth a lot.

This report sells for $29.95 but in this special offer, you receive the report, “Three Currency Patterns for 50% Profits or More” FREE when you subscribe to Pi.

Plus get the $39.95 report “The Platinum Dip 2018” free.

With investors watching global stock markets bounce up and down, many missed two really important profit generating events over the last two years. The price of silver dipped below $14 an ounce as did shares of the iShares Silver ETF (SLV). The second event is that the silver gold ratio hit 80, compared to a ratio of 230 only two years before.

In September 2015, I prepared a special report “Silver Dip 2015” about a silver speculation, leveraged with a British pound loan, that could increase the returns in a safe portfolio by as much as eight times. The tactics described in that report generated 62.48% profit in just nine months.

I have updated this report and added how to use the Dip Strategy with platinum. The “Platinum Dip 2018” report shares the latest in a series of long term lessons gained through 40 years of speculating and investing in precious metals. I released the 2015 report, when the gold silver ratio slipped to 80. The ratio has corrected and that profit has been taken and now a new precious metals dip has emerged.

I have prepared a new special report “Platinum Dip 2018” about a leveraged speculation that can increase the returns in a safe portfolio by as much as eight times.

You also learn from the Value Investing Seminar, our premier course, that we have been conducting for over 30 years. Tens of thousands of delegates have paid up to $999 to attend. Now you can join the seminar online FREE in this special offer.

This three day course is available in sessions that are 10 to 20 minutes long for easy, convenient learning. You can listen to each session any time and as often as you desire.

The sooner you hear what I have to say about current markets, the better you’ll be able to cash in on perhaps the best investing opportunity since 1982.

Tens of thousands have paid up to $999 to attend.

In 2018 I celebrate my 52nd anniversary in the investing business and 50th year of writing about global investing. Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades. This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in our seminar.

Stock and currency markets are cyclical. These cycles create extra profit for value investors who invest when everyone else has the markets wrong. One special seminar session looks at how to spot value from cycles. Stocks rise from the cycle of war, productivity and demographics. Cycles create recurring profits. Economies and stock markets cycle up and down around every 15 to 20 years as shown in this graph.

The effect of war cycles on the US Stock Market since 1906.

Bull and bear cycles are based on cycles of human interaction, war, technology and productivity. Economic downturns can create war.

The chart above shows the war – stock market cycle. Military struggles (like the Civil War, WWI, WWII and the Cold War: WW III) super charge inventiveness that creates new forms of productivity…the steam engine, the internal combustion engine, production line processes, jet engines, TV, farming techniques, plastics, telephone, computer and lastly during the Cold War, the internet. The military technology shifts to domestic use. A boom is created that leads to excess. Excess leads to correction. Correction creates an economic downturn and again to war.

Details in the online seminar include:

* How to easily buy global currencies, shares and bonds.

* Trading down and the benefits of investing in real estate in Small Town USA. We will share why this breakout value is special and why we have been recommending good value real estate in this area since 2009.

* What’s up with gold and silver? One session looks at my current position on gold and silver and asset protection. We review the state of the precious metal markets and potential problems ahead for US dollars. Learn how low interest rates eliminate opportunity costs of diversification in precious metals and foreign currencies.

* How to improve safety and increase profit with leverage and staying power. The seminar reveals Warren Buffett’s value investing strategy from research published at Yale University’s website. This research shows that the stocks Buffet chooses are safe (with low beta and low volatility), cheap (value stocks with low price-to-book ratios), and high quality (stocks of companies that are profitable, stable, growing, and with high payout ratios). His big, extra profits come from leverage and staying power. At times Buffet’s portfolio, as all value portfolios, has fallen, but he has been willing and able to wait long periods for the value to reveal itself and prices to recover.

This chart based on a 45 year portfolio study shows that holding a diversified good value portfolio (based on a good value strategy) for 13 month’s time, increases the probability of out performance to 70%. However those who can hold the portfolio for five years gain a 88% probability of beating the bellwether in the market and after ten years the probability increases to 97.5%.

Time is your friend when you use a good value strategy. The longer you can hold onto a well balanced good value portfolio, the better the odds of outstanding success.

Learn how much leverage to use. Leverage is like medicine, the key is dose.The best ratio is normally 1.6 to 1. We’ll sum up the strategy; how to leverage cheap, safe, quality stocks and for what period of time based on the times and each individual’s circumstances.

Learn to plan in a way so you never run out of money. The seminar also has a session on the importance of having and sticking to a plan. See how success is dependent on conviction, wherewithal, and skill to operate with leverage and significant risk. Learn a three point strategy based on my 50 years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

The online seminar also reveals the results of a $80,000 share purchase cost test that found the least expensive way to invest in good value. The keys to this portfolio are good value, low cost, minimal fuss and bother. Plus a great savings of time. Trading is minimal, usually not more than one or two shares are bought or sold in a year. I wanted to find the very least expensive way to create and hold this portfolio so I performed this test.

I have good news about the cost of the seminar as well. For almost three decades the seminar fee has been $799 for one or $999 for a couple. Tens of thousands paid this price, but online the seminar is $297.

In this special offer, you can get this online seminar FREE when you subscribe to our Personal investing Course.

Save $468.90 If You Act Now

Subscribe to the first year of The Personal investing Course (Pi). The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription. Plus you receive FREE the $29.95 report “Three Currency Patterns for 50% Profits or More”, the $39.95 report “Silver Dip 2017” and our latest $297 online seminar for a total savings of $468.90.

Triple Guarantee

Enroll in Pi. Get the basic training, the 46 market value report, access to all the updates of the past two years, the two reports and the Value Investing Seminar right away.

#1: I guarantee you’ll learn ideas about investing that are unique and can reduce stress as they help you enhance your profits through slow, worry free, easy diversified investing.

If you are not totally happy, simply let me know.

#2: I guarantee you can cancel your subscription within 60 days and I’ll refund your subscription fee in full, no questions asked.

#3: You can keep the two reports and Value Investing Seminar as my thanks for trying.

You have nothing to lose except the fear. You gain the ultimate form of financial security as you reduce risk and increase profit potential.

How to Have Real Safety

There are only three reasons why we should invest. We invest for income. We invest to resell our investments for more than we had invested. We invest to make our world a better place.

We should not invest for fun, excitement or to get rich quick, or in a panic due to market corrections.

This is why the core Pi model portfolio (that forms the bulk of my own equity portfolio) consists of 19 shares and this position has not changed in over two years. During these two years we have been steadily accumulating the same 19 shares and have not traded once.

The portfolio has done well in 2017, up 22.6%, better than the DJI Index.

However one or even two year’s performance is not enough data to create a safe strategy.

The good value portfolio above is based entirely on good value financial information and mathematically based safety programs developed around models that date back 91 and 24 years.

The Pifolio is a theoretical portfolio of MSCI Country Benchmark Index ETFs that cover all the good value markets developed combining my 50 years of investing experience with study of the mathematical market value analysis of Keppler Asset Management and the mathematical trend analysis of Tradestops.com.

In my opinion, Keppler is one of the best market statisticians in the world. Numerous very large fund managers, such as State Street Global Advisers, use his analysis to manage over $2.5 billion of funds.

The Pifolio analysis begins with Keppler who continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return. He compares each major stock market’s history.

Michael Kepler CEO Keppler Asset Management.

Michael is a brilliant mathematician. We have tracked his analysis for over 20 years. He continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return. He compares each stock market’s history. From this, he develops his Good Value Stock Market Strategy and rates each market as a Buy, Neutral or Sell market. His analysis is rational, mathematical and does not cause worry about short term ups and downs. Keppler’s strategy is to diversify into an equally weighted portfolio of the MSCI Indices of each BUY market.

This is an easy, simple and effective approach to zeroing in on value because little time, management and guesswork is required. You are investing in a diversified portfolio of good value indices.

A BUY rating for an index does NOT imply that any stock in that country is an attractive investment, so you do not have to spend hours of research aimed at picking specific shares. It is not appropriate or enough to instruct a stockbroker to simply select stocks in the BUY rated countries. Investing in the index is like investing in all the shares in the index. You save time because all you have to do is invest in the ETF to gain the profit potential of the entire market.

To achieve this goal of diversification the Pifolio consists of Country Index ETFs.

Country Index ETFs are similar to an index mutual fund but are shares normally traded on a major stock exchange that tracks an index of shares in a specific country. ETFs do not try to beat the index they represent. The management is passive and tries to emulate the performance of the index.

A country ETF provides diversification into a basket of equities in the country covered. The expense ratios for most ETFs are lower than those of the average mutual fund as well so such ETFs provide diversification and cost efficiency.

30% of the Pifolio is invested in Keppler’s good value (BUY rated) emerging markets: Brazil, Chile, China, Colombia, the Czech Republic, South Korea, Malaysia and Taiwan.

The Pifolio consists of iShares ETFs that invested in each of the MSCI indicies of the good value BUY markets.

For example, the iShares MSCI Australia (symbol EWA) is a Country Index ETF that tracks the investment results the Morgan Stanley Capital Index MSCI Australia Index which is composed mainly of large cap and small cap stocks traded primarily on the Australian Stock Exchange mainly of companies in consumer staples, financials and materials. This ETF is non-diversified outside of Australia.

iShares is owned by Black Rock, Inc. the world’s largest asset manager with over $4 trillion in assets under management.

Pi uses math to reveal the best value markets then protects its positions using more math created by Richard Smith founder and CEO of Tradestops.com to track each share’s trend.

We use Smith’s algorithms that calculate momentum of the good value markets.

The Stock State Indicators at Tradestops.com act as a full life-cycle measure that indicates the health of each stock. They are designed to tell you at a glance exactly where any stock stands relative to Dr. Smith’s proprietary algorithms.

Kepppler’s analysis shows the value of markets. The SSI signal indicates the current trend of each stock (performing well, or in a period of correction, or stopped out).

The SSI tells you one of five things:

Akey component of the Stock State Indicator (SSI) system is momentum based on the latest 521 days of trading. A stock changes from red to green in the SSI system only after it has already gone up a healthy amount and has started a solid uptrend.

How SSI Alerts Are Triggered

If the position has already moved more than its Volatility Quotient below a recent high, the SSI Stop Loss will trigger. This is an indicator that the position has corrected more than what is normal for this stock. It means to take caution.

Below is an example of how SSIs work. This example shows the Developed Market Pifolio that we track at Tradestops.com.

Equal Weight Good Value Developed Market Pifolio.

At the time this example was copied, all the ETFs in the Developed Market Pifolio (above) currently had a green SSI.

We do not know when the US market will fall. We only do know that it will. We also do not know if, when the US market corrects, global markets will follow or rise instead.

The fact that the Pifilios are invested in good value markets reduces long term risk.

Additional protection is added by using trailing stops based on the 521 day momentum of each stock in the Pifolio.

Take for example the graph below from our Tradestops account that shows the iShares MSCI United Kingdom ETF. This ETF had a green SSI and a Volatility Index (VQ) of 13.26%. This means the share can move 13.26% before there is a trend shift.

iShares MSCI United Kingdom ETF (Symbol EWU)

Pi purchased the share at$31.26 and in this example the share was $34.43 and rising. Tradestop’s algorithms suggested that if the price drops to $31.69 its momentum would have stopped and it would have shifted into trading sideways. The stop loss price is currently $29.86. If EWU continues to rise, both the yellow warning and the stop loss price will rise as well.

When the US stock market bull ends, know one knows for sure how long or how severe the correction will be.

When the bear arrives, what will happen to global and especially good value markets?

No one knows the answer to this question.

What we do know is that the equally weighted, good value market Pifolios have the greatest potential long term and that math based trailing stops can be used to protect against a secular global stock market correction when it comes.

My fifty years of global investing experience helps take advantage of numerous long term cycles that are part of the universal math that affects all investments.

What you get when you subscribe to Pi.

You immediately receive a 120 page basic training course that teaches the Pi Strategy. You learn all the Pi strategies, what they are, how to use them and what each can do for you, your lifestyle and investing.

You also begin receiving regular emailed Pifiolio updates and online access to all the Pifolio updates of the last two years. Each update examines the current activity in a Pifolio, how it is changing, why and how the changes might help your investing or not.

Included in the basic training is an additional 120 page PDF value analysis of 46 stock markets (23 developed markets and 23 emerging stock markets). This analysis looks at the price to book, price to earnings, average yield and much more.

You also receive two special reports.

In the 1980s, a remarkable set of two economic circumstances helped anyone who spotted them become remarkably rich. Some of my readers made enough to retire. Others picked up 50% currency gains. Then the cycle ended. Warren Buffett explained the importance of this ending in a 1999 Fortune magazine interview. He said: Let me summarize what I’ve been saying about the stock market: I think it’s very hard to come up with a persuasive case that equities will over the next 17 years perform anything like—anything like—they’ve performed in the past 17!

I did well then, but always thought, “I should have invested more!” Now those circumstances have come together and I am investing in them again.

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar. The two conditions are in place again!

30 years ago, the US dollar rose along with Wall Street. Profits came quickly over three years. Then the dollar dropped like a stone, by 51% in just two years. A repeat of this pattern is growing and could create up to 50% extra profit if we start using strong dollars to accumulate good value stock market ETFs in other currencies.

This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago. The trends are so clear that I have created a short, but powerful report “Three Currency Patterns for 50% Profits or More.” This report shows how to earn an extra 50% from currency shifts with even small investments. I kept the report short and simple, but included links to 153 pages of Good Value Stock Market research and Asset Allocation Analysis.

The report shows 20 good value investments and a really powerful tactic that shows the most effective and least expensive way to accumulate these bargains in large or even very small amounts (less than $5,000). There is extra profit potential of at least 50% so the report is worth a lot.

This report sells for $29.95 but in this special offer, you receive the report, “Three Currency Patterns for 50% Profits or More” FREE when you subscribe to Pi.

Plus get the $39.95 report “The Platinum Dip 2018” free.

With investors watching global stock markets bounce up and down, many missed two really important profit generating events over the last two years. The price of silver dipped below $14 an ounce as did shares of the iShares Silver ETF (SLV). The second event is that the silver gold ratio hit 80, compared to a ratio of 230 only two years before.

In September 2015, I prepared a special report “Silver Dip 2015” about a silver speculation, leveraged with a British pound loan, that could increase the returns in a safe portfolio by as much as eight times. The tactics described in that report generated 62.48% profit in just nine months.

I have updated this report and added how to use the Dip Strategy with platinum. The “Platinum Dip 2018” report shares the latest in a series of long term lessons gained through 40 years of speculating and investing in precious metals. I released the 2015 report, when the gold silver ratio slipped to 80. The ratio has corrected and that profit has been taken and now a new precious metals dip has emerged.

I have prepared a new special report “Platinum Dip 2018” about a leveraged speculation that can increase the returns in a safe portfolio by as much as eight times.

You also learn from the Value Investing Seminar, our premier course, that we have been conducting for over 30 years. Tens of thousands of delegates have paid up to $999 to attend. Now you can join the seminar online FREE in this special offer.

This three day course is available in sessions that are 10 to 20 minutes long for easy, convenient learning. You can listen to each session any time and as often as you desire.

The sooner you hear what I have to say about current markets, the better you’ll be able to cash in on perhaps the best investing opportunity since 1982.

Tens of thousands have paid up to $999 to attend.

In 2018 I celebrate my 52nd anniversary in the investing business and 50th year of writing about global investing. Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades. This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in our seminar.

Stock and currency markets are cyclical. These cycles create extra profit for value investors who invest when everyone else has the markets wrong. One special seminar session looks at how to spot value from cycles. Stocks rise from the cycle of war, productivity and demographics. Cycles create recurring profits. Economies and stock markets cycle up and down around every 15 to 20 years as shown in this graph.

The effect of war cycles on the US Stock Market since 1906.

Bull and bear cycles are based on cycles of human interaction, war, technology and productivity. Economic downturns can create war.

The chart above shows the war – stock market cycle. Military struggles (like the Civil War, WWI, WWII and the Cold War: WW III) super charge inventiveness that creates new forms of productivity…the steam engine, the internal combustion engine, production line processes, jet engines, TV, farming techniques, plastics, telephone, computer and lastly during the Cold War, the internet. The military technology shifts to domestic use. A boom is created that leads to excess. Excess leads to correction. Correction creates an economic downturn and again to war.

Details in the online seminar include:

* How to easily buy global currencies, shares and bonds.

* Trading down and the benefits of investing in real estate in Small Town USA. We will share why this breakout value is special and why we have been recommending good value real estate in this area since 2009.

* What’s up with gold and silver? One session looks at my current position on gold and silver and asset protection. We review the state of the precious metal markets and potential problems ahead for US dollars. Learn how low interest rates eliminate opportunity costs of diversification in precious metals and foreign currencies.

* How to improve safety and increase profit with leverage and staying power. The seminar reveals Warren Buffett’s value investing strategy from research published at Yale University’s website. This research shows that the stocks Buffet chooses are safe (with low beta and low volatility), cheap (value stocks with low price-to-book ratios), and high quality (stocks of companies that are profitable, stable, growing, and with high payout ratios). His big, extra profits come from leverage and staying power. At times Buffet’s portfolio, as all value portfolios, has fallen, but he has been willing and able to wait long periods for the value to reveal itself and prices to recover.

This chart based on a 45 year portfolio study shows that holding a diversified good value portfolio (based on a good value strategy) for 13 month’s time, increases the probability of out performance to 70%. However those who can hold the portfolio for five years gain a 88% probability of beating the bellwether in the market and after ten years the probability increases to 97.5%.

Time is your friend when you use a good value strategy. The longer you can hold onto a well balanced good value portfolio, the better the odds of outstanding success.

Learn how much leverage to use. Leverage is like medicine, the key is dose.The best ratio is normally 1.6 to 1. We’ll sum up the strategy; how to leverage cheap, safe, quality stocks and for what period of time based on the times and each individual’s circumstances.

Learn to plan in a way so you never run out of money. The seminar also has a session on the importance of having and sticking to a plan. See how success is dependent on conviction, wherewithal, and skill to operate with leverage and significant risk. Learn a three point strategy based on my 50 years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

The online seminar also reveals the results of a $80,000 share purchase cost test that found the least expensive way to invest in good value. The keys to this portfolio are good value, low cost, minimal fuss and bother. Plus a great savings of time. Trading is minimal, usually not more than one or two shares are bought or sold in a year. I wanted to find the very least expensive way to create and hold this portfolio so I performed this test.

I have good news about the cost of the seminar as well. For almost three decades the seminar fee has been $799 for one or $999 for a couple. Tens of thousands paid this price, but online the seminar is $297.

In this special offer, you can get this online seminar FREE when you subscribe to our Personal investing Course.

Save $468.90 If You Act Now

Subscribe to the first year of The Personal investing Course (Pi). The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription. Plus you receive FREE the $29.95 report “Three Currency Patterns for 50% Profits or More”, the $39.95 report “Silver Dip 2017” and our latest $297 online seminar for a total savings of $468.90.

Triple Guarantee

Enroll in Pi. Get the basic training, the 46 market value report, access to all the updates of the past two years, the two reports and the Value Investing Seminar right away.

#1: I guarantee you’ll learn ideas about investing that are unique and can reduce stress as they help you enhance your profits through slow, worry free, easy diversified investing.

If you are not totally happy, simply let me know.

#2: I guarantee you can cancel your subscription within 60 days and I’ll refund your subscription fee in full, no questions asked.

#3: You can keep the two reports and Value Investing Seminar as my thanks for trying.

You have nothing to lose except the fear. You gain the ultimate form of financial security as you reduce risk and increase profit potential.

You can profit from a groundswell change in the world’s socio-economic system that creates enormous opportunity for small self publishers and exporters now.

Here are delegates on one of our recent Ecuador tours. See below how these tours help delegates learn how to earn through authenticity and cohesion.

More importantly see why authenticity and cohesion create this opportunity and why so many Americans and Canadians are moving to Ecuador… because of anarchy.

The internet and broadband are helping lead the world into a state of anarchy… but in a very positive way.

Those who see the upside of this shift will prosper from the change that is coming.

Anarchy has been given a negative connotation, but… in its truer… deeper meanings, anarchy describes a Utopian State.

One definition of anarchy is: “A social state in which there is no governing person or group of people, but each individual has absolute liberty (without the implication of disorder).”

Anarchy is pure libertarianism. In the real world… this state of pure freedom… has rarely worked for long because individuals with absolute authority have not been willing to also accept complete responsibility. During times of anarchy… self interest groups try to impose their wishes on others by becoming top dog. Everyone starts stepping on everyone else’s toes.

Traditionally anarchy turns into chaos and disorder.

This seems to be the nature of our universe… shifting from order to anarchy to chaos.

Entropy disintegrates but the process also creates ashes from which a Phoenix will rise. After order slides into anarchy and chaos it then comes back into a new order.

This site has recommended the book “Chaos The Making of a New Science” by James Gleick numerous times over the past decade. An excerpt from that book below outlines a scientific explanation of this universal chaotic order and perhaps can help us see how to help and profit as well in times of change.

If disorder always comes from order then knowing why and how the internet is helping create anarchy, will help us spot how to serve and profit in the emerging era.

This understanding is important. Most Westerners are bewildered by the deterioration of the state they were educated to believe in. This is why many are emigrating to South America. Many are seeking a return to the old Western dream. Latin America offers a return to seemingly simpler times.

This is why this site also focuses on Smalltown USA where a less complex, friendlier social order still reigns.

The progression of society and the global economy may appear to be in a negative cycle, but common sense suggests that the shifts we are seeing, from order to disorder, are normal and to be expected.

All is in perfect order. The problem is not the reality but our views that are out of touch with reality.

We can probably presume that most Romans felt equally overwhelmed when barbarians crossed the Rubicon.

Yet here is a point for survival in anarchy… despite the fall of Rome, for the past two millennium, Italy has remained a really great place to live. Italy in this period has been filled with opportunity.

Many Romans experienced great pain and suffering during the Empire’s fall… but those who looked ahead and prepared… were given a great opportunity to prosper as the old order ceased to prevail. New ideas… fresh energy… enthusiasm and willingness to work became more valuable and rewarding as the old boy’s network, that was draining the empire, failed.

More on Chaos

Here is an excerpt from James Gleicks book “Chaos – The Making of a New Science”.

What exactly is chaos? The name “chaos theory” comes from the fact that the systems that the theory describes are apparently disordered, but chaos theory is really about finding the underlying order in apparently random data.

When was chaos first discovered? The first true experimenter in chaos was a meteorologist, named Edward Lorenz. In 1960, he was working on the problem of weather prediction. He had a computer set up, with a set of twelve equations to model the weather. It didn’t predict the weather itself. However this computer program did theoretically predict what the weather might be.

One day in 1961, he wanted to see a particular sequence again. To save time, he started in the middle of the sequence, instead of the beginning. He entered the number off his printout and left to let it run.

When he came back an hour later, the sequence had evolved differently. Instead of the same pattern as before, it diverged from the pattern, ending up wildly different from the original. Eventually he figured out what happened. The computer stored the numbers to six decimal places in its memory. To save paper, he only had it print out three decimal places. In the original sequence, the number was .506127, and he had only typed the first three digits, .506.

By all conventional ideas of the time, it should have worked. He should have gotten a sequence very close to the original sequence. A scientist considers himself lucky if he can get measurements with accuracy to three decimal places. Surely the fourth and fifth, impossible to measure using reasonable methods, can’t have a huge effect on the outcome of the experiment. Lorenz proved this idea wrong.

This effect came to be known as the butterfly effect. The amount of difference in the starting points of the two curves is so small that it is comparable to a butterfly flapping its wings.

The flapping of a single butterfly’s wing today produces a tiny change in the state of the atmosphere. Over a period of time, what the atmosphere actually does diverges from what it would have done. So, in a month’s time, a tornado that would have devastated the Indonesian coast doesn’t happen. Or maybe one that wasn’t going to happen, does.

This phenomenon, common to chaos theory, is also known as sensitive dependence on initial conditions. Just a small change in the initial conditions can drastically change the long-term behavior of a system. Such a small amount of difference in a measurement might be considered experimental noise, background noise, or an inaccuracy of the equipment. Such things are impossible to avoid in even the most isolated lab. With a starting number of 2, the final result can be entirely different from the same system with a starting value of 2.000001. It is simply impossible to achieve this level of accuracy – just try and measure something to the nearest millionth of an inch!

From this idea, Lorenz stated that it is impossible to predict the weather accurately. However, this discovery led Lorenz on to other aspects of what eventually came to be known as chaos theory.

Lorenz started to look for a simpler system that had sensitive dependence on initial conditions. His first discovery had twelve equations, and he wanted a much more simple version that still had this attribute. He took the equations for convection, and stripped them down, making them unrealistically simple. The system no longer had anything to do with convection, but it did have sensitive dependence on its initial conditions, and there were only three equations this time. Later, it was discovered that his equations precisely described a water wheel.

At the top, water drips steadily into containers hanging on the wheel’s rim. Each container drips steadily from a small hole. If the stream of water is slow, the top containers never fill fast enough to overcome friction, but if the stream is faster, the weight starts to turn the wheel. The rotation might become continuous. Or if the stream is so fast that the heavy containers swing all the way around the bottom and up the other side, the wheel might then slow, stop, and reverse its rotation, turning first one way and then the other.

The equations for this system also seemed to give rise to entirely random behavior. However, when he graphed it, a surprising thing happened. The output always stayed on a curve, a double spiral. There were only two kinds of order previously known: a steady state, in which the variables never change, and periodic behavior, in which the system goes into a loop, repeating itself indefinitely. Lorenz’s equations were definitely ordered – they always followed a spiral. They never settled down to a single point, but since they never repeated the same thing, they weren’t periodic either. He called the image he got when he graphed the equations the Lorenz attractor.

In 1963, Lorenz published a paper describing what he had discovered. He included the unpredictability of the weather, and discussed the types of equations that caused this type of behavior. Unfortunately, the only journal he was able to publish in was a meteorological journal, because he was a meteorologist, not a mathematician or a physicist. As a result, Lorenz’s discoveries weren’t acknowledged until years later, when they were rediscovered by others. Lorenz had discovered something revolutionary; now he had to wait for someone to discover him.

Another system in which sensitive dependence on initial conditions is evident is the flip of a coin. There are two variables in a flipping coin: how soon it hits the ground, and how fast it is flipping. Theoretically, it should be possible to control these variables entirely and control how the coin will end up. In practice, it is impossible to control exactly how fast the coin flips and how high it flips. It is possible to put the variables into a certain range, but it is impossible to control it enough to know the final results of the coin toss.

A similar problem occurs in ecology, and the prediction of biological populations. The equation would be simple if population just rises indefinitely, but the effect of predators and a limited food supply make this equation incorrect. The simplest equation that takes this into account is the following:

next year’s population = r * this year’s population * (1 – this year’s population)

One biologist, Robert May, decided to see what would happen to the equation as the growth rate value changes. At low values of the growth rate, the population would settle down to a single number. For instance, if the growth rate value is 2.7, the population will settle down to .6292. As the growth rate increased, the final population would increase as well. Then, something weird happened. As soon as the growth rate passed 3, the line broke in two. Instead of settling down to a single population, it would jump between two different populations. It would be one value for one year, go to another value the next year, then repeat the cycle forever. Raising the growth rate a little more caused it to jump between four different values. As the parameter rose further, the line bifurcated (doubled) again. The bifurcations came faster and faster until suddenly, chaos appeared. Past a certain growth rate, it becomes impossible to predict the behavior of the equation. However, upon closer inspection, it is possible to see white strips. Looking closer at these strips reveals little windows of order, where the equation goes through the bifurcations again before returning to chaos. This self-similarity, the fact that the graph has an exact copy of itself hidden deep inside, came to be an important aspect of chaos.

An employee of IBM, Benoit Mandelbrot was a mathematician studying this self-similarity. One of the areas he was studying was cotton price fluctuations. No matter how the data on cotton prices was analyzed, the results did not fit the normal distribution. Mandelbrot eventually obtained all of the available data on cotton prices, dating back to 1900. When he analyzed the data with IBM’s computers, he noticed an astonishing fact:

The numbers that produced aberrations from the point of view of normal distribution produced symmetry from the point of view of scaling. Each particular price change was random and unpredictable. But the sequence of changes was independent on scale: curves for daily price changes and monthly price changes matched perfectly. Incredibly, analyzed Mandelbrot’s way, the degree of variation had remained constant over a tumultuous sixty-year period that saw two World Wars and a depression.

We can glean insights into how to react in the future from this excerpt which shows us that:

#1: It is impossible to predict anything perfectly.
#2: There are little windows of order within all chaos.
#3: There is sensitive dependence on its initial conditions. Little changes bring huge results.
#4: There is self-similarity, exact copies of the past hidden deep inside in present and future, even during chaos.
#5: The degrees of variation remain constant over all, even tumultuous periods.

This suggests that chaos is simply our misunderstanding of order and if we always plan and look for the positive in this chatter… we’ll find better times and opportunity.

Back to the internet… cohesion… and authenticity.

The previous order was ruled by broadband. Radio, TV, records, newspapers, cinema provided cohesion in the North American and European society. The majority heard the same music… saw the same shows… at just about the same time… and there were not all that many channels.

Children went to school had about the same education, talked about the commonalities they saw the night before, then at home they connected again to the same input, as everyone else. So life in Maine was not that different from life in Southern California… because everyone received the same broadcast on just a few networks.

Now children go home form school and tap into hundreds of thousands of different networks… perhaps millions on the net. This small change in the initial conditions of the formation of our future society is likely to have profound consequences. A much broader spectrum of thought will influence the upcoming generation beyond Elvis, The Beachboys, Beatles and Jan & Dean.

What this specifically will mean… is unpredictable… but we can see in a bigger picture how this will reduce national cohesion everywhere. Loyalties will rise from common interests shared on the internet… not from the effects of broadcast within a political boundary.

Governments will find this force hard to resist. If they limit their population’s input… they will limit access to the global economy and advances from deeper knowledge… lower productivity and especially reduce innovation. This will cripple and handicap societies that shut down or censor the net.

Publishing and export opportunities comes from this because:

#1: Societies need cohesion.

#2: The global community is the best answer for business productivity. Political borders are inefficient. True cohesion comes from truth (authenticity). Few political manifestos or the administrations of these manifestos are honest or true.

#3: Small pockets of truth (your publishing or export business) reflected around common interests can create business opportunities because they act like little windows of order during times of increased turmoil.

Despite a tremendous decline in the economy over the past several years… these businesses have been growing at a rate of over 20%. Is this Americans fleeing the US? Americans and Canadians headed south?

Only in part.

Here are delegates at our most recent Super Thinking Plus Spanish seminar in Florida. These delegates were from the USA, Canada, France, South Africa, Sri Lanka and China… bound not by political boundaries… but by common interests… to increase intelligence to adapt to change and to communicate better in Spanish.

Look for small windows of lunacy as the world seems to become insane… small truths that will shine in a swelling tide of lies. If you can find a genuine way to serve your fellow man by crossing borders with products (exporting) or valuable information (publishing) then you can gain stability and profit from the very same internet that is also creating anarchy.

Learn how to earn income through a global business at our Quantum Wealth seminars.

One recent delegates from the British Commonwealth wrote:

Dear Gary and Merri… I wanted to say thank-you-first of all for your kindness and generous Information while I was in Ecuador this February.
I came up to Cotacahi, went on two real estate tours with Bonnie..and stayed at Meson de las Flores before the IL conference.

I am still working on how my life will move this year… I have many options to think about and am still trying to sell my current land-based business.

Back here I am working on putting together a ‘presentation’ for locals who may be interested In Ecuador.

I am simply going to put an ad in the local paper and book my church hall if the response is greater than 20 people or so.

I had a few adventures while I was in Ecuador and am looking forward to a fresher,freer and financially improved lifestyle.

There are many ways to earn extra income… through an international business in exports… self publishing and with global internet businesses. Our Quantum Wealth seminars look at many ways to profit.

Here is an update on the Ecuador beach condos Vistazul in San Clemente Ecuador.

Here is an update as of March 2010.

Rooftop terrace at Vistazul Ecuador beach condos.

This project has progressed steadily despite the 2007 and 2008 recession in the West.

Vistazul Ecuador beach condo trim.

The Vistazul Ecuador beach condo project took off very nicely two years ago. About half the units in the first couple months were sold. Then the recession hit and as these are more a second home, rather than full time living, destination, sales slowed badly.

Added to this, the road from Manta to San Clemente is being redone. This has really made it hard and circuitous to reach these Ecuador beach condos. Long term though this will of course be really good!

However sales have continued… just at a slower pace. The developer wrote that there are only two condos left in the blocks that are finished. One is a resale unit 506 and unit 301. Unit 301 is the only finished unit that has not been sold.

There are eleven units left in the unfinished buildings two and six.

Structural work on these units should be ready within a month but as I mentioned Kjetil Haugan will wait with the finish work on these units until he has completed the infrastructure work on the development. Gary

Let’s review the entire history of the project so you can see how surprisingly well it has sold considering the utter collapse of the real estate market in the USA.

We have worked with Kjetil for 12 or 13 years and ten years ago Kjetil, Merri and I drove the entire coast. This San Clemente property is one that Kjetil liked and purchased.

Kjetil introduced us to the project in December 2007 when he was in the process of building the Palmazul Hotel & Spa and it looked like this:

Construction was…

well under…

way.

We put money up front and bought the first six Vistazul units to get construction started. By then Palmazul looked like…

this.

A view of the land has gone from…

this to…

this to…

We always liked this project because the hotel clubhouse was finished and in operation before ground was broken on the condos.

We put enough money into the project so we knew it could be done.

All seven of the factors we like to see in a new project were in place before we began sales.

#1: Land owned with title insurance.
#2: No debt on the land.
#3: Infrastructure complete.
#4: Financing in place.
#5: Experienced engineers and architects involved.
#6: A logical sales plan set up.
#7: Long term management organized.

Since we send about 20 people a month to the area on real estate tours and they stay at the hotel club house, the project has an advantage though we do not allow the developer to push this over other projects or properties on the tour.

The project’s unique position on the beach… in a really quiet location where little else can be built makes these to our way of thinking a real winner at $79,000 to $89,000.

Some US real estate prices have fallen so they compare to Ecuador real estate prices… but NOT ON THE BEACH. US beach property is still far more expensive than Ecuador beach prices. I have never seen any US beach front which compares anywhere close to the prices at Vistazul. Why is this? First, Kjetil bought the land 10 years ago when prices were unbelievably low. Second, the bulk of the construction was done before inflation started to push up construction costs. Third, we have sent all the buyers to the project and do not receive commissions, thus eliminating a normally large sales cost.

But we really recommend that you visit and see to make sure that this rustic area appeals to you and to see which units available best suit you.

The developer Kjetil Haugan also offers financing on the $89,000 units.

History of Vistazul from our website. Our Garyascott.com archives tells the tale of Vistazul.

This project was originally planned for 62 units at three price levels. After the economic slowdown it was reduced to 38 units for the time being. See the site plan at Ecuador Beach Condo Party

Gary

How We Can Serve You

How to Have Real Safety

There are only three reasons why we should invest. We invest for income. We invest to resell our investments for more than we had invested. We invest to make our world a better place.

We should not invest for fun, excitement or to get rich quick, or in a panic due to market corrections.

This is why the core Pi model portfolio (that forms the bulk of my own equity portfolio) consists of 19 shares and this position has not changed in over two years. During these two years we have been steadily accumulating the same 19 shares and have not traded once.

The portfolio has done well in 2017, up 22.6%, better than the DJI Index.

However one or even two year’s performance is not enough data to create a safe strategy.

The good value portfolio above is based entirely on good value financial information and mathematically based safety programs developed around models that date back 91 and 24 years.

The Pifolio is a theoretical portfolio of MSCI Country Benchmark Index ETFs that cover all the good value markets developed combining my 50 years of investing experience with study of the mathematical market value analysis of Keppler Asset Management and the mathematical trend analysis of Tradestops.com.

In my opinion, Keppler is one of the best market statisticians in the world. Numerous very large fund managers, such as State Street Global Advisers, use his analysis to manage over $2.5 billion of funds.

The Pifolio analysis begins with Keppler who continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return. He compares each major stock market’s history.

Michael Kepler CEO Keppler Asset Management.

Michael is a brilliant mathematician. We have tracked his analysis for over 20 years. He continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return. He compares each stock market’s history. From this, he develops his Good Value Stock Market Strategy and rates each market as a Buy, Neutral or Sell market. His analysis is rational, mathematical and does not cause worry about short term ups and downs. Keppler’s strategy is to diversify into an equally weighted portfolio of the MSCI Indices of each BUY market.

This is an easy, simple and effective approach to zeroing in on value because little time, management and guesswork is required. You are investing in a diversified portfolio of good value indices.

A BUY rating for an index does NOT imply that any stock in that country is an attractive investment, so you do not have to spend hours of research aimed at picking specific shares. It is not appropriate or enough to instruct a stockbroker to simply select stocks in the BUY rated countries. Investing in the index is like investing in all the shares in the index. You save time because all you have to do is invest in the ETF to gain the profit potential of the entire market.

To achieve this goal of diversification the Pifolio consists of Country Index ETFs.

Country Index ETFs are similar to an index mutual fund but are shares normally traded on a major stock exchange that tracks an index of shares in a specific country. ETFs do not try to beat the index they represent. The management is passive and tries to emulate the performance of the index.

A country ETF provides diversification into a basket of equities in the country covered. The expense ratios for most ETFs are lower than those of the average mutual fund as well so such ETFs provide diversification and cost efficiency.

30% of the Pifolio is invested in Keppler’s good value (BUY rated) emerging markets: Brazil, Chile, China, Colombia, the Czech Republic, South Korea, Malaysia and Taiwan.

The Pifolio consists of iShares ETFs that invested in each of the MSCI indicies of the good value BUY markets.

For example, the iShares MSCI Australia (symbol EWA) is a Country Index ETF that tracks the investment results the Morgan Stanley Capital Index MSCI Australia Index which is composed mainly of large cap and small cap stocks traded primarily on the Australian Stock Exchange mainly of companies in consumer staples, financials and materials. This ETF is non-diversified outside of Australia.

iShares is owned by Black Rock, Inc. the world’s largest asset manager with over $4 trillion in assets under management.

Pi uses math to reveal the best value markets then protects its positions using more math created by Richard Smith founder and CEO of Tradestops.com to track each share’s trend.

We use Smith’s algorithms that calculate momentum of the good value markets.

The Stock State Indicators at Tradestops.com act as a full life-cycle measure that indicates the health of each stock. They are designed to tell you at a glance exactly where any stock stands relative to Dr. Smith’s proprietary algorithms.

Kepppler’s analysis shows the value of markets. The SSI signal indicates the current trend of each stock (performing well, or in a period of correction, or stopped out).

The SSI tells you one of five things:

Akey component of the Stock State Indicator (SSI) system is momentum based on the latest 521 days of trading. A stock changes from red to green in the SSI system only after it has already gone up a healthy amount and has started a solid uptrend.

How SSI Alerts Are Triggered

If the position has already moved more than its Volatility Quotient below a recent high, the SSI Stop Loss will trigger. This is an indicator that the position has corrected more than what is normal for this stock. It means to take caution.

Below is an example of how SSIs work. This example shows the Developed Market Pifolio that we track at Tradestops.com.

Equal Weight Good Value Developed Market Pifolio.

At the time this example was copied, all the ETFs in the Developed Market Pifolio (above) currently had a green SSI.

We do not know when the US market will fall. We only do know that it will. We also do not know if, when the US market corrects, global markets will follow or rise instead.

The fact that the Pifilios are invested in good value markets reduces long term risk.

Additional protection is added by using trailing stops based on the 521 day momentum of each stock in the Pifolio.

Take for example the graph below from our Tradestops account that shows the iShares MSCI United Kingdom ETF. This ETF had a green SSI and a Volatility Index (VQ) of 13.26%. This means the share can move 13.26% before there is a trend shift.

iShares MSCI United Kingdom ETF (Symbol EWU)

Pi purchased the share at$31.26 and in this example the share was $34.43 and rising. Tradestop’s algorithms suggested that if the price drops to $31.69 its momentum would have stopped and it would have shifted into trading sideways. The stop loss price is currently $29.86. If EWU continues to rise, both the yellow warning and the stop loss price will rise as well.

When the US stock market bull ends, know one knows for sure how long or how severe the correction will be.

When the bear arrives, what will happen to global and especially good value markets?

No one knows the answer to this question.

What we do know is that the equally weighted, good value market Pifolios have the greatest potential long term and that math based trailing stops can be used to protect against a secular global stock market correction when it comes.

My fifty years of global investing experience helps take advantage of numerous long term cycles that are part of the universal math that affects all investments.

What you get when you subscribe to Pi.

You immediately receive a 120 page basic training course that teaches the Pi Strategy. You learn all the Pi strategies, what they are, how to use them and what each can do for you, your lifestyle and investing.

You also begin receiving regular emailed Pifiolio updates and online access to all the Pifolio updates of the last two years. Each update examines the current activity in a Pifolio, how it is changing, why and how the changes might help your investing or not.

Included in the basic training is an additional 120 page PDF value analysis of 46 stock markets (23 developed markets and 23 emerging stock markets). This analysis looks at the price to book, price to earnings, average yield and much more.

You also receive two special reports.

In the 1980s, a remarkable set of two economic circumstances helped anyone who spotted them become remarkably rich. Some of my readers made enough to retire. Others picked up 50% currency gains. Then the cycle ended. Warren Buffett explained the importance of this ending in a 1999 Fortune magazine interview. He said: Let me summarize what I’ve been saying about the stock market: I think it’s very hard to come up with a persuasive case that equities will over the next 17 years perform anything like—anything like—they’ve performed in the past 17!

I did well then, but always thought, “I should have invested more!” Now those circumstances have come together and I am investing in them again.

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar. The two conditions are in place again!

30 years ago, the US dollar rose along with Wall Street. Profits came quickly over three years. Then the dollar dropped like a stone, by 51% in just two years. A repeat of this pattern is growing and could create up to 50% extra profit if we start using strong dollars to accumulate good value stock market ETFs in other currencies.

This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago. The trends are so clear that I have created a short, but powerful report “Three Currency Patterns for 50% Profits or More.” This report shows how to earn an extra 50% from currency shifts with even small investments. I kept the report short and simple, but included links to 153 pages of Good Value Stock Market research and Asset Allocation Analysis.

The report shows 20 good value investments and a really powerful tactic that shows the most effective and least expensive way to accumulate these bargains in large or even very small amounts (less than $5,000). There is extra profit potential of at least 50% so the report is worth a lot.

This report sells for $29.95 but in this special offer, you receive the report, “Three Currency Patterns for 50% Profits or More” FREE when you subscribe to Pi.

Plus get the $39.95 report “The Platinum Dip 2018” free.

With investors watching global stock markets bounce up and down, many missed two really important profit generating events over the last two years. The price of silver dipped below $14 an ounce as did shares of the iShares Silver ETF (SLV). The second event is that the silver gold ratio hit 80, compared to a ratio of 230 only two years before.

In September 2015, I prepared a special report “Silver Dip 2015” about a silver speculation, leveraged with a British pound loan, that could increase the returns in a safe portfolio by as much as eight times. The tactics described in that report generated 62.48% profit in just nine months.

I have updated this report and added how to use the Dip Strategy with platinum. The “Platinum Dip 2018” report shares the latest in a series of long term lessons gained through 40 years of speculating and investing in precious metals. I released the 2015 report, when the gold silver ratio slipped to 80. The ratio has corrected and that profit has been taken and now a new precious metals dip has emerged.

I have prepared a new special report “Platinum Dip 2018” about a leveraged speculation that can increase the returns in a safe portfolio by as much as eight times.

You also learn from the Value Investing Seminar, our premier course, that we have been conducting for over 30 years. Tens of thousands of delegates have paid up to $999 to attend. Now you can join the seminar online FREE in this special offer.

This three day course is available in sessions that are 10 to 20 minutes long for easy, convenient learning. You can listen to each session any time and as often as you desire.

The sooner you hear what I have to say about current markets, the better you’ll be able to cash in on perhaps the best investing opportunity since 1982.

Tens of thousands have paid up to $999 to attend.

In 2018 I celebrate my 52nd anniversary in the investing business and 50th year of writing about global investing. Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades. This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in our seminar.

Stock and currency markets are cyclical. These cycles create extra profit for value investors who invest when everyone else has the markets wrong. One special seminar session looks at how to spot value from cycles. Stocks rise from the cycle of war, productivity and demographics. Cycles create recurring profits. Economies and stock markets cycle up and down around every 15 to 20 years as shown in this graph.

The effect of war cycles on the US Stock Market since 1906.

Bull and bear cycles are based on cycles of human interaction, war, technology and productivity. Economic downturns can create war.

The chart above shows the war – stock market cycle. Military struggles (like the Civil War, WWI, WWII and the Cold War: WW III) super charge inventiveness that creates new forms of productivity…the steam engine, the internal combustion engine, production line processes, jet engines, TV, farming techniques, plastics, telephone, computer and lastly during the Cold War, the internet. The military technology shifts to domestic use. A boom is created that leads to excess. Excess leads to correction. Correction creates an economic downturn and again to war.

Details in the online seminar include:

* How to easily buy global currencies, shares and bonds.

* Trading down and the benefits of investing in real estate in Small Town USA. We will share why this breakout value is special and why we have been recommending good value real estate in this area since 2009.

* What’s up with gold and silver? One session looks at my current position on gold and silver and asset protection. We review the state of the precious metal markets and potential problems ahead for US dollars. Learn how low interest rates eliminate opportunity costs of diversification in precious metals and foreign currencies.

* How to improve safety and increase profit with leverage and staying power. The seminar reveals Warren Buffett’s value investing strategy from research published at Yale University’s website. This research shows that the stocks Buffet chooses are safe (with low beta and low volatility), cheap (value stocks with low price-to-book ratios), and high quality (stocks of companies that are profitable, stable, growing, and with high payout ratios). His big, extra profits come from leverage and staying power. At times Buffet’s portfolio, as all value portfolios, has fallen, but he has been willing and able to wait long periods for the value to reveal itself and prices to recover.

This chart based on a 45 year portfolio study shows that holding a diversified good value portfolio (based on a good value strategy) for 13 month’s time, increases the probability of out performance to 70%. However those who can hold the portfolio for five years gain a 88% probability of beating the bellwether in the market and after ten years the probability increases to 97.5%.

Time is your friend when you use a good value strategy. The longer you can hold onto a well balanced good value portfolio, the better the odds of outstanding success.

Learn how much leverage to use. Leverage is like medicine, the key is dose.The best ratio is normally 1.6 to 1. We’ll sum up the strategy; how to leverage cheap, safe, quality stocks and for what period of time based on the times and each individual’s circumstances.

Learn to plan in a way so you never run out of money. The seminar also has a session on the importance of having and sticking to a plan. See how success is dependent on conviction, wherewithal, and skill to operate with leverage and significant risk. Learn a three point strategy based on my 50 years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

The online seminar also reveals the results of a $80,000 share purchase cost test that found the least expensive way to invest in good value. The keys to this portfolio are good value, low cost, minimal fuss and bother. Plus a great savings of time. Trading is minimal, usually not more than one or two shares are bought or sold in a year. I wanted to find the very least expensive way to create and hold this portfolio so I performed this test.

I have good news about the cost of the seminar as well. For almost three decades the seminar fee has been $799 for one or $999 for a couple. Tens of thousands paid this price, but online the seminar is $297.

In this special offer, you can get this online seminar FREE when you subscribe to our Personal investing Course.

Save $468.90 If You Act Now

Subscribe to the first year of The Personal investing Course (Pi). The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription. Plus you receive FREE the $29.95 report “Three Currency Patterns for 50% Profits or More”, the $39.95 report “Silver Dip 2017” and our latest $297 online seminar for a total savings of $468.90.

Triple Guarantee

Enroll in Pi. Get the basic training, the 46 market value report, access to all the updates of the past two years, the two reports and the Value Investing Seminar right away.

#1: I guarantee you’ll learn ideas about investing that are unique and can reduce stress as they help you enhance your profits through slow, worry free, easy diversified investing.

If you are not totally happy, simply let me know.

#2: I guarantee you can cancel your subscription within 60 days and I’ll refund your subscription fee in full, no questions asked.

#3: You can keep the two reports and Value Investing Seminar as my thanks for trying.

You have nothing to lose except the fear. You gain the ultimate form of financial security as you reduce risk and increase profit potential.

Merri and I are in Ecuador. Here are delegates on our Imbabura real estate tour. Learn more about this Ecuador house (in the $90s) and why delegates needed to see it below.

First remember three points made at our Quantum Wealth course last week and yesterday’s message:

#1: There are Always Things you Cannot See. This is the nature of existence.

#2: Do Not Invest More than You Can Afford to Lose! Because of point number one.

#3: Look for belief in fundamental ideas. Each of us in connected to the universe and our belief is an important part of our investing process. There are always things we do not know… but belief has enormous power at incredibly deep levels of investing and the universe.

These facts always keep me looking for new ideas in which to believe and upgrades in the human productivity has always been one area that keeps me focused.

In an earlier article Magnificent Seven we saw how these shifts create new opportunities for investment and internet business in seven areas.

Truth & Cohesion

Ecuador

Currency Distortions

Value Markets

Emerging Markets

Wellness, Water and Alternate Energy

Truth & Cohesion

Ecuador

Smalltown USA Real Estate

I believe that there is opportunity in these seven ideas.

My belief in the profitability of investing in truth & cohesion was enhanced by an Time’s article entitled “Dead Tree Alert All the News That’s Fit to Mint” by James Poniewozik.

Here are excerpts: My column in this week’s print TIME is about the New York Times’ plan to begin charging (some people, something) to read it on the Web starting next year. Seemingly by design, it doesn’t look like the plan would raise too much money at first. It’s more important symbolically: the country’s most authoritative (and argued-about) newspaper is more or less declaring that, if old media don’t figure out a way to get paid online, it’s game over. What would the blogosphere do without the New York Times to kick around?

There are a few things you can count on: the sun will rise in the east, winter will turn to spring, and the New York Times will come out every day. Of the three, the disappearance of the Times might be the most shocking to a reader’s sense of a rational universe.

But that’s exactly the scenario that was implied — and, Times bosses hope, staved off — by the recent announcement that next year the paper will begin charging for online access. The Times is possibly the most authoritative paper in the world and the most influential online, with 17 million monthly readers. It’s done well in most media — except the print medium that’s green and is issued by the U.S. Mint.

The Times is in the same fix as most other old-media outlets, including this magazine. Online ads don’t bring in enough to support the massive news operation that attracts those 17 million people. Last year, the Times won five Pulitzer Prizes — and borrowed $250 million from a Mexican billionaire to keep the lights on.

No Big Media institution is indispensable: not the Times, not the evening news, not TIME magazine. People don’t owe us their money; we owe it to them to be worth paying for. If we go, people will find other sources to trust; in some cases, they already have.

One of those is The Daily Show, which commands Times-like faith among its fans. Last year, it did a segment on the Times’s woes, in which Jason Jones mocked the paper’s dead-tree format and landline phones. “Look at me,” he laughed, picking one up. “I’m a reporter from the ’80s, makin’ sure everything’s factual.”

It was searing, but bittersweet too. The Daily Show, for all its jokes, cares deeply about facts. If the Times’s pay wall doesn’t work — if nothing works — something else will replace today’s media. Something great, I hope. But I wonder if the new media would be a little bereft without a Times to react to, rebel against and define themselves against, like a dog that finally caught the car. Or in this case, the rolled-up newspaper.

When the media that we trusted are gone, who can we trust?

Fortunes are in the correct answer to that question… both for those who provide trustworthy data and for those who invest in truth and cohesion.

This is why we have doubled our Ecuador real estate tours in 2010. Many Americans and Canadians have lost their trust in the truth of the North American establishment. They are looking for a smaller place to be where it might be easier to spot the truth. Ecuador is one such spot… but how can you develop trust here.

Our belief is you need to look and see for yourself from someone who has nothing to gain… hence real estate tours from someone who is not earning real estate commissions.

Our staff are cntinually looking for property to show on our tours and Bonnie Keogh sent me this note about a new project near Cotacachi Ecuador.

Hi Gary, Don’t know if Merri got a chance to tell you about the new houses going up in Cotacachi. They are being built by Miguel Mora who built the condos on the Pan Am in Otavalo that we’ve been taking the tours to (all sold out except one). Very smart guy, he’s been building for 12 years in this area and his architect has about 20+ years experience.

They bought a beautiful piece of land near Hostal Paradisimo in Cotacachi and will be starting the infrastructure in February. He is very anxious to work with us and will give delegates a discount.

He’s very aware that you will not recommend anything that you do not feel is of the highest value and quality.

He speaks perfect english, as does his architect Patricio, and is very proud of his houses. Peg and I had a meeting with him yesterday and then he wanted to show us a project he did in Otavalo more than 8 years ago. The houses are on the grounds of a centuries old monastery, they built the new homes to blend with the old and did an excellent job. The grounds reminded me a La Mirage, wonderful garden like feel. Lots of room and privacy. The houses showed no wear and tear, no moisture problems and were very inviting and comfortable. One feature that is great, a rooftop terrace to enjoy the views and also a rooftop tower! Folks have been asking for this and this land has the best views ever, both Imbabura and Cotacachi.

They are very open to modifying designs to accommodate folks wishes, bigger, smaller ,etc.

Building costs will be about $65-$70 sq. ft. with land, depending on lot size. There will city water, private water for irrigation, private sewer, a swimming pool and hot tub for the community. Also, full time caretaker and gardener.

His standard fixtures are very good, but upgrades are available at slightly higher costs. They also take into consideration the seismic activity of the area and build their houses accordingly.

No building is earthquake proof, but their buildings will withstand limited movement and in the event of a major quake, will give their occupants plenty of time to get out.

I think this development is a winner and will sell out quickly. It will have an incredible view, high quality construction, great facilities and beautiful gardens. Bonnie.

These are the types of properties we look for so we can help you gain trust in Ecuador.

Three Pack… 3 seminar courses & tours $1399 Couple $1,899 Save $98 single or $348 on a couple or more

Four Pack… 4 seminar courses & tours $1,699 Couple $2,299 Save $98 single or $697 on a couple or more

Five Pack… 5 seminar courses & tours $1,999 Couple $2,699 Save $496 single or $1,046 on a couple or more

Six Pack… 6 seminars courses & tours $2,199 Couple $3,099 Save $795 single or $1,395 on a couple or more

Even Better. Greater Savings. Our 2010 International Club membership allows you and a guest to attend as many of the 51 courses and tours we’ll sponsor and conduct in 2010 (fees would be $40,947 for all these courses individually) is only $3,500.

If you join the International Club, the entrance fee for 2010 is $3,500. Your attendance fees at all courses will be waived. You and a guest of you choice can attend courses worth $40,947.You can calculate the savings as our schedule of all 2010 courses here.

treasures like this thermal spa near our hotel in Cotacachi…. where you can soak and relax as you learn about Ecuador real estate.

Return to a life of simpler times with the people of Ecuador who are…

friendly and…

wonderful from many…

cultures.

Find good value with Ecuador real estate.

Condos for example in Cuenca for example are as low as $42,000.

One high rise near Quito offers condos for $29,999.

The living room of this Quito condo.

The dining room leading to the kitchen area

The bed room comfort

On the coast the condos near the beach have an asking price of only $23,000.

These condos near a nice beach are under 500 square feet in size. Yet have three bedrooms, one bathroom… plus

this living kitchen area.

Ecuadorian rooms…

are often…

small, but I guess you would not expect a mansion for $23,000 US dollars.

In Cotacachi… a three bedroom, three bathroom unit in Prima Vera I is available for $59,000

and a studio condo with this huge balcony and incredible views is offered at $47,500.

You’ll see houses like this…

with this view for…

for $69,000.

Yet my guess is you’ll not buy the lower priced units because Ecuador offers the opportunity for luxury at affordable prices that are no longer available up north.

First, let’s consider other benefits you gain… such as chances of a better price… no matter where you are at any price level. A big benefit in our Ecuador real estate tours comes from the fact that we are not real estate brokers. We do not accept commissions and do not allow our staff to accept commissions on the sale of real estate. We have been buying and selling our own real estate and doing business in Ecuador for 14 years and ask those whose property we show on the tour to give discounts to our delegates (as we are known to bring many buyers and do not charge commissions).

You are also more efficient! There are few road signs in Ecuador… few organized brokers and even fewer who speak English… multiple listings are almost non existent.

We review what real estate is on the market and plan routes in advance so our delegates can see the most in the shortest time. We have English speaking staff with delegates on the tours at all times.

We make sure that sellers have their properties available. (A bad habit Ecuadorians have is often to not have the property open on time.) Our staff are with you on the tour at all times… calling ahead… making sure that sellers are at their properties… or diverting to a property where an owner is prepared.

Visitors who try to find Ecuador real estate on their own drive around… get lost… see little… and without inordinate amounts of time have no price basis on which to compare. When they plan to buy they have little experience to know if the people they are dealing with are trustworthy.

You reduce your chances of being ripped off. We avoid showing property that in our experience is out of line price wise or quality wise. We provide contacts with brokers, attorneys architects etc who have shown themselves to be trustworthy.

We share 41 years of experience investing globally and 14 years in Ecuador. When we arrived in Ecuador nearly a decade and a half ago, we have already been conducting real estate tours for decades in many other countries including England… Switzerland, Isle of Man…. Belize and the Dominican Republic. We had bought and sold dozens of properties, including many abroad. So we already knew what to look for… kinda… yet…

here is a check for $72,000… I lost this payment completely because I did not know one simple rule about buying Ecuador real estate.

The friendships you gain on our Ecuador real estate tours can be invaluable.

You gain the power of sharing in many ways… from Merri and me… we have trained out staff and speak with tour delegates with televised conferencing.

People on tours tend to have common interests and be like minded souls

A delegate at a previous tour described this benefit when she wrote:.

You were so kind to make arrangements for a ride with the other delegates from the Charlotte airport. They were so nice to me and so helpful, by the time the weekend was over I felt like they were my long lost brothers. Monday morning we all had breakfast at the airport together and I was so sad to see them go, I was sad the weekend was over, perhaps sad is not the right word for how I was feeling perhaps Gratitude is a better way to describe it. Grateful for having the opportunity to share the weekend with such wonderful, like minded Human Beings. Thank you Merri and Gary…………..Thanks to you I now have new hope and a new direction to move forward in my life. Thanks to you I am so ready to move to Ecuador and begin a new life. I just have to figure out what I am going to do and how to do it……… I know by attending your classes and conferences that through education and due diligence I will make the right choices.

This delegate’s comments about “belonging and feeling like a brother” to the other delegates is a wonderful refrain we have heard from our readers, year after year.

The importance of delegate friendships first showed itself decades ago when we took a group to Vienna, Austria. One of our older delegates, had some sort of attack. The first fear was heart trouble. Several delegates took him to the hospital. Others stayed with him there. I don’t think that delegate was alone for a minute!

What impressed Merri and me was that no one asked the delegates to help this man. The friendships of delegates sharing many courses had just grown so strong that it was a natural reaction, just as if a family member was ill. Fortunately, it was only travel fatigue and the delegate didn’t miss a session of the course!

When you join our tours, you become part of a special family. Another delegate at one of our seminars wrote about this and said:

“Thank you for the enjoyable and informative courses. I am pleased to be part of your international family and look forward to continuing my education at the next course.”

His feeling struck a familiar chord. It has always been one of my greatest satisfactions to see how much fun delegates have getting together, sharing information and making friendships. These courses somehow draw together like-minded souls. For this reason some delegates come back again and again. They come to learn, but also to be with their many friends made at the courses.

When like-minded souls get together again and again to discuss a common purpose, magic happens! I can’t explain it in any other way-but it is true. In a way our meetings are almost like family reunions. Perhaps it is getting together and reflecting on what has been said and what has been happening. Learning with those who are also interested in the world creates thoughts that multiply the value of what we gain. This is hard to describe but results are most powerful and wonderful!

You save hard earned dollars because our $499 tour fee is a bargain. Your alternative s to do what Merri and I did when we first arrived in Ecuador. We hired a nationally certified guide and had him drive us everywhere… to the big cities… the jungles… up and down the coast. We traveled with him for weeks to create our report.

This was okay… because this is our business… but…

if you hire driver with a car driver for just four days… you’ll have spent MORE just on the guide and transportation as you would have on an entire tour. English speaking guides with a car normally cost $130 a day plus hotel and food.

You also be more comfortable and save in other ways. Our Ecuador real estate tours help you learn the ropes in Ecuador. We know which hotels are good and which are bad. We know which restaurants will serve good food quickly and which are tourist traps. You’ll be safer and more comfortable because the very personal nature of our service not only helps you save money but makes your trip to Ecuador more comfortable and secure.

One delegate on a recent tour sent this note.

Merri, I don’t know how you and Gary give such great individual attention, but I sure appreciate it. Preparing myself for this trip and the even greater spector of preparing for a life outside the US does not come without a bit of anxiety. I am so thankful for yours and Gary’s kindness, attention to detail, and responsiveness. It makes it all seem a little more manageable! I’ll plan on spending at least the first 2 nights at the Radisson unless we are day two out of Quito. I will verify my flight with Bonnie. Thanks again Merri. Jim

Three Pack… 3 seminar courses & tours $1399 Couple $1,899 Save $98 single or $348 on a couple or more

Four Pack… 4 seminar courses & tours $1,699 Couple $2,299 Save $98 single or $697 on a couple or more

Five Pack… 5 seminar courses & tours $1,999 Couple $2,699 Save $496 single or $1,046 on a couple or more

Six Pack… 6 seminars courses & tours $2,199 Couple $3,099 Save $795 single or $1,395 on a couple or more

Even Better. Greater Savings. Our 2010 International Club membership allows you and a guest to attend as many of the 51 courses and tours we’ll sponsor and conduct in 2010 (fees would be $40,947 for all these courses individually) is only $3,500.

If you join the International Club, the entrance fee for 2010 is $3,500. Your attendance fees at all courses will be waived. You and a guest of you choice can attend courses worth $40,947.You can calculate the savings as our schedule of all 2010 courses here.

The picture above shows a shot of the more modern, northern part of Quito, with the impressive Pichincha in the background.

The city is a world heritage renowned for its historic downtown, the largest Spanish colonial town in South America. The historic colonial city center offers several real estate opportunities, nested in this most impressive colonial ambiance.

However, Quito is characterized as a city of diversity. The city is over 30 miles long while not much more than a few miles wide.

The north is more modern, home to most of the banking sector and large business, as well as the more expensive neighborhoods. The south is more
commercial, with less expensive neighborhoods. Quito also boasts its surrounding valleys such as the valleys of Tumbaco, Los Chillos, Calderon and Pomasqui. Here is a map.

Our Quito – Mindo tours will take us to see opportunities in old town Quito. We will look at
properties in the northern business sector of Quito, such as these condos located in the
heart of the business, banking and hotel sector of Quito:

Prices in a modern brand new building such as this are about $64,000 for a 572 square foot
condo.

The general floor plans of the condos are as follows:

As you can tell, Quito offers both modern and classic architecture. It also offers a wide variety
of prices, depending on what you may be looking for.

For instance, we will also visit this development:

It is located in the Valley of Pomasqui, very close to the zero latitude “middle of the world”.

This energetic center was known even as far back as the Incas, and they were so drawn to it
that they were not satisfied until they made it part of their empire.

Comfortable and quality town houses are available in this complex
starting for US$ 29,999 for a cozy 861 square foot 3 bedroom unit. Here we have a
few shots of the interior of these properties (the furniture is that of the model home but is not
included in the sales price):

The living room

The dining room leading to the kitchen area

The bed room comfort

As part of our continuing tasting of the variety Quito has to offer, delegates who will attend the
Quito-Mindo tour will visit the higher end project as well, located where the new airport is being built.

The project is made up of 99 lots to be sold in 2 stages. Each lot owner will be allowed to build
a single home in each lot, sized 240 m2 or 300 m2 (approximately 2,550 ft2 and 3,200 ft2,
respectively), following general architectural guidelines set forth in the purchase documents.

Lot prices start at $54,000 for lots that begin at 5,200 square feet.

Our Quito – Mindo tour also offers you the possibility to travel outside of Quito, to the north-
western part of the Province of Pichincha. We will visit the Mindo area, known for its abundant
bio-diversity (just Google “Mindo” to find out more about this bird-watchers and ecotourism
paradise).

Mindo is an ecotourism hotspot where nature enthusiast can find plenty of activities and enjoy
their natural surroundings.

There we will visit the project Arboretto Riverside Villas (ARV), a novel concept in ecotourism
presold villas. ARV is made up of 36 custom homes, to be built within an extension of 25
acres. We have built the first model home in ARV, which we will be able to visit during our
tour.

Prices start at $150,000 for a 1,300 square foot custom home built on a lot of an average of
10,000 square feet.

The key characteristic of these homes is their transparency and the way
they are immersed in nature:

Each house has its own outside Jacuzzi, literally allowing you to enjoy nature in the warmth of
your own deck.

In summary, Quito and the Mindo area have a great deal to offer to those who are looking for a
modern, city life-style as well as to those of you who enjoy a more relaxed way of life in a
smaller town (without being out of reach of the big city).

This is just one more example of Ecuador’s diversity and this tour will provide you the
opportunity to experience the many faces that Quito and Mindo have to offer. We look forward
to sharing this experience with you. Regards Carlos.

Our January Quito Mindo real estate tour is full but there is still time to join this tour in February.

Three Pack… 3 seminar courses & tours $1399 Couple $1,899 Save $98 single or $348 on a couple or more

Four Pack… 4 seminar courses & tours $1,699 Couple $2,299 Save $98 single or $697 on a couple or more

Five Pack… 5 seminar courses & tours $1,999 Couple $2,699 Save $496 single or $1,046 on a couple or more

Six Pack… 6 seminars courses & tours $2,199 Couple $3,099 Save $795 single or $1,395 on a couple or more

Even Better. Greater Savings. Our 2010 International Club membership allows you and a guest to attend as many of the 51 courses and tours we’ll sponsor and conduct in 2010 (fees would be $40,947 for all these courses individually) is only $2,999.

The International club fee rises to $3,500 January 25 2010. Enroll in the International Club now at the original fee of $2,999. Save $501 extra before January 25, 2010.

Because holiday expenses often tighten the winter cash flow, you can enroll with three monthly payments… $1,025 in January… $1,025 in February and $1,025 in March 2010.

If you join the International Club, the entrance fee for 2010 is $2,999 (until January 2010). Your attendance fees at all courses will be waived. You and a guest of you choice can attend courses worth $40,947.You can calculate the savings as our schedule of all 2010 courses here.

Ecuador air fares plummet because Aero Galapagos and LAN Ecuador are having a competition this month from New York’s JFK to Quito and Miami’s MIA to Quito.

This is driving other airlines to match those flights…but LAN is an excellent airline that has been flying for some years into Ecuador. We love this as have taken Lan’s flights many times and enjoyed their good service. They have been a great airlines for years.

Aero Galapagos is a new airline that has received permission for flights to/from Ecuador and has had good results inside of Ecuador. We use them often when flying Quito to Manta.

Their competition is bringing some flights from Miami into the high $200 range. I have never seen them this low. Some New York to Quito Flights are as low as $389… including taxes! Again this is the lowest I have seen in 15 years.

This makes it cheaper to get to Ecuador than ever before… plus there is still time to enjoy great Ecuador tour savings.

Monthly payments can now be made to attend our Ecuador tours. See below.

Our January export tour starts tomorrow… but you can still sign up for the January real estate tours or start attending our seminars and tours in February.

The really incredible savings are earned if you plan to attend six seminars or tours any time in the entire your of 2010.

Our 2010 International Club membership allows you and a guest to attend as many of the 52 courses and tours we’ll sponsor and conduct in 2010 (fees would be $40,947 for all these courses individually).

The 2009 club fee was only $2,999. Because we have added four extra south Ecuador beach tours, the 2010, International Club fee rises from our 2009 enrollment to $3,500 on January 25th 2010.

Enroll in the International Club now at the original fee of $2,999. Save $501.

International Club 2010 monthly payments.

Attend our 52 investment, business, Spanish, real estate and export, courses and tours in 2010 with one small enrollment fee of $2,999.

Because holiday expenses often tighten the winter cash flow, you can enroll with three monthly payments… $1,025 in January… $1,025 in February and $1,025 in March 2010.

You may well wonder why I would make such an offer and ask why the cost is so low? Let me answer this question frankly and from the heart.

First, it helps us do a better job for you. We feel greatly enriched when we can really help our clients improve their lives. We have learned through years of experience the best way to do this is to meet with you regularly. We can best help you learn how to improve your health and wealth through continual expansion of knowledge.

Second, we gain enormous fulfillment from the many friendships we form through the years. Our friends have enriched our lives tremendously. Let me explain this in more detail.

As a member, you will be part of our international family that meets intensively over the next year to examine ways we can make our lives better. Our goal is beyond just having money. Our goal is to have quantum wealth… good health… wealth and fulfillment through service.

Though I give all course delegates my very best, I cannot help but to do a better job for those who come again and again. As we meet often; your particular wants, needs and desires become clear, and it is easier for me to point you in the right direction.

Another phenomenon is that repeat delegates help each other! They get to know one another, help each other learn, share their insights, make contacts and gain more wealth.

Out associates in Ecuador, are experienced business people who live or work and conduct our real estate and export courses. They can also act as your local backup for the business.

Lifestyle for Two. There is more! I have learned at my courses that many repeat delegates were couples.

We want couples! As a member of the program, you are entitled to bring another person to every single course or tour. The cost for that extra person will be ZERO! You can bring whomever you wish. Bring your spouse, a friend, son or daughter, partner, accountant, adviser. You can bring the same person each time or a different person, whomever you choose to accompany you. (Accommodations and air fares relating to the courses are not included for members, delegates or their guests.)

Won’t you join us in this exciting club and share Merri’s and my lifestyle for the next year? We look forward to seeing you at as many courses as possible and sharing this wonderful world of abundance and well being with you!

The area is largely dependent on agriculture which means the food is good, abundant and absolutely fresh.

There is no night life, but after a day mountain sunshine and fresh air the nighttime is for sleeping.

The house below in Cotacachi is currently rented at $550 a month.

This is a rustic casita built two years ago.

Here is the cozy living view seen from the kitchen and …

the dining area.

The house is fully furnished though the dining room is different now and the art is not included.

Here is…

the…

kitchen which is…

about a fifth of the house.

The house is about 1,000 square feet and was meant to be a two bedroom, two bathroom house.

We however had the builder leave out one wall that would have created the second bedroom… making more of an open…

floor plan so there is a larger dining area and…

a place to play chess, read, paint or lounge.

That wall can easily be put in for anyone wanting two specific bedrooms. Renters have used a wooden screen to create a second sleeping area…. as the open plan gives a really bright spacious feel.

There is one bedroom.

That’s a king size bed… the best mattress in Cotacachi (included). Plus there are plenty of hardwood closets.

However there are still…

two bathrooms. One has…

a shower, the other bathroom has a bathtub.

This house feels like a rustic, country chalet with peaceful, quiet views from the…

garden deck chairs in the outdoor lounging place…facing the sunrise.

This is a view from the front deck. This is a great place to hear the birds sing at dawn.

The outdoor Bar-B-Q just below.

The house is light and bright. This is the view from the front room window.

You really feel like you are in the country but the house is only seven minutes walk to Meson de las Flores. This is the center of the village.

The house is unpainted adobe… the best type of Andean construction as it breathes well.

The house is part of the Primavera I Association and is totally walled. Here is the wall.

Condo fees including security, water, insurance, etc are about $90 month. Taxes are currently $38 a year though we expect taxes to rise a bit.

The garden drops below the house.

into the…

walled…

gardens.

Next door is a cornfield.

We invite you to visit Ecuador and see this house. If you are interested in Ecuador Living or property ownership…we invite you to join our real estate tours and look before you buy to make sure you love Ecuador as we do… and that you like the village of Cotacachi and… this Cotacachi house for sale.

Until next message, may all your living anywhere and everywhere be good.

Gary

Attend our January Imbabura real estate tour and see this house…plus many other great real estate values.

Attend our seminars and tours in Florida and Ecuador.See the best Ecuador property for you. Find the best real estate offers. Know more of Ecuador.To help you experience a bigger adventure in this wonderful nation, to broaden your horizons, to expand your awareness of all Ecuador offers, we are providing deep discounts in 2010 for those who sign up for multiple tours.

We just added four South coast Ecuador tours that can help you gainextra savings with a multi tour pack.

Three Pack… 3 seminar courses & tours $1399 Couple $1,899 Save $98 single or $348 on a couple or more

Four Pack… 4 seminar courses & tours $1,699 Couple $2,299 Save $98 single or $697 on a couple or more

Five Pack… 5 seminar courses & tours $1,999 Couple $2,699 Save $496 single or $1,046 on a couple or more

Six Pack… 6 seminars courses & tours $2,199 Couple $3,099 Save $795 single or $1,395 on a couple or more

These four new south coast tours and our six pack tour price create a bit of a crisis here.

As you can see above a six pack costs $3,099. This is already a really low price for a tour that last up to 21 days (under $150 a day).

But as you will see below, our International Club membership which allows you and a guest to attend up to 56 courses and tours in 2010 (fees would be $40,947 for all these courses individually) is only $2,999.

Which would you choose… 6 courses and tours for $3,099 or those same 6 courses and tours plus 50 more for $2,999?

“Duh,” I said when this was pointed out to me.

So our only solution is to raise the International Club membership to $3,500… still a terrific deal… but $501 more than before.

Save $37,457…plus $501. I will not raise the International club fee until January 2010. Enroll in the International Club now at the original fee of $2,999.

International Club 2010

Attend our 56 investment, business, Spanish, real estate and export, courses and tours in 2010 with one small enrollment fee.

You may well wonder why I would make such an offer and ask why the cost is so low? Let me answer this question frankly and from the heart.

First, it helps us do a better job for you. We feel greatly enriched when we can really help our clients improve their lives. We have learned through years of experience the best way to do this is to meet with you regularly. We can best help you learn how to improve your health and wealth through continual expansion of knowledge.

Second, we gain enormous fulfillment from the many friendships we form through the years. Our friends have enriched our lives tremendously. Let me explain this in more detail.

As a member, you will be part of our international family that meets intensively over the next year to examine ways we can make our lives better. Our goal is beyond just having money. Our goal is to have quantum wealth… good health… wealth and fulfillment through service.

Though I give all course delegates my very best, I cannot help but to do a better job for those who come again and again. As we meet often; your particular wants, needs and desires become clear, and it is easier for me to point you in the right direction.

Another phenomenon is that repeat delegates help each other! They get to know one another, help each other learn, share their insights, make contacts and gain more wealth.

Out associates in Ecuador, are experienced business people who live or work and conduct our real estate and export courses. They can also act as your local backup for the business.

Lifestyle for Two. There is more! I have learned at my courses that many repeat delegates were couples.

We want couples! As a member of the program, you are entitled to bring another person to every single course or tour. The cost for that extra person will be ZERO! You can bring whomever you wish. Bring your spouse, a friend, son or daughter, partner, accountant, adviser. You can bring the same person each time or a different person, whomever you choose to accompany you. (Accommodations and air fares relating to the courses are not included for members, delegates or their guests.)

Won’t you join us in this exciting club and share Merri’s and my lifestyle for the next year? We look forward to seeing you at as many courses as possible and sharing this wonderful world of abundance and well being with you!

Here are some Ecuador fares & two legal tips learned from living and doing business abroad for 41 + years.

First, the facts on fares.

Ecuador air fare fact #1: Ecuador air fares are really low again. Ecuador air fares from Quito to Miami seem to rise and fall from under $400 to over $500. Right now LAN is offering the very low rate of $398. Here is this low cost Miami-Quito air fare that LAN sent to Merri.

Ecuador air fare fact #2. Ecuador is easy to reach. The flight from Miami is about 3 hours and 45 minutes. There are direct flight from Miami on American, LAN and Aerogal… Atlanta (Delta) and… Houston (Continental).

Merri and I fly from Atlanta and it takes less time and costs less than our frequent flight to Portland, Oregon.

I began thinking about this when numerous readers wrote to me asking for an opinion about the arrest in Ecuador and extradition to the US of an American naturopath who has been living in Ecuador. Several newsletters and blogs have featured an article stating that this naturopath was kidnapped by the FDA.

I do not know the naturopath nor have I read anything else about this in the news so I contacted a friend who is an attorney and who has been involved in improving Ecuador’s law enforcement system.

The reply was: Good morning Gary. I could not find any information about this in Ecuadorian newspapers. I will contact the chief of the police in Cuenca to learn firsthand the facts about this. Warm regards.

I’ll report as soon as I hear more.

There are several issues readers asked.

The first issue about this arrest seems to be claims that the FDA committed a number of illegal acts in this process. Readers have expressed shock about this.

They should not be surprised.

There have been crimes committed for years. Our newsletters have focused on this a bit well before we started our website in the 1990s. So this should not come as any great surprise.

Did this corruption begin in the 1980s?

I recall writing in the 1980s or 1990s about a report on IRS abuses. That report outlined how the IRS hired a prostitute to distract a foreign banker in Miami. While the banker was busy with the woman, the IRS ignored normal procedure and helped themselves to a briefcase full of banking records.

We do not have to look far to see illegal actions. A www.cnn.com article entitled “a 1998 Senate Panel Hears Stories Of Alleged IRS Abuses” says: WASHINGTON (AllPolitics, April 28) — The Internal Revenue Service was once again under fire on Capitol Hill Tuesday, as a Senate committee launched another round of hearings, this time focusing on alleged abuses of power inside the tax agency.
In the first of four days of testimony from taxpayers and agents, the Senate Finance Committee heard instances of the IRS stepping over the line, including stories of retaliation against whistle blowers and raids on taxpayers’ homes that may not have been justified.

Some of the harshest criticism was aimed at the agency’s criminal investigation division, as witnesses complained that the investigators used excessive techniques and were out of control.

A New York Times article entitled “DIRECTOR OF I.R.S. ISSUES AN APOLOGY FOR AGENT ABUSES” says: WASHINGTON, Sept. 25— The acting commissioner of the Internal Revenue Service issued an extraordinary public apology today to four individual taxpayers — and, by extension, to all American taxpayers — for severe mistreatment at the hands of agency officials. The tax official, Michael P. Dolan, also promised immediate changes to eliminate incentives for misconduct and make the I.R.S. more responsive to public complaints.

At the conclusion of three days of hearings on I.R.S. abuses before the Senate Finance Committee, Mr. Dolan said that he was deeply troubled by the charges leveled against the tax agency this week by taxpayers, current and former I.R.S. officials, and outside watchdogs.
Today’s session featured testimony from five current I.R.S. agents and one former agent, their identities concealed by fabric-covered screens and their voices electronically altered. Their testimony included the following accusations:

*Agency workers browse through tax returns to snoop into the finances of celebrities, relatives and prospective dates.

*I.R.S. agents are judged by their total tax collections, no matter how poorly documented.

*Managers cover up abusive behavior by collection agents.

*Revenue officers consider all tax debtors ”crooks or flakes” who deserve no sympathy.

Earlier in the week, in emotional testimony from four taxpayers, the panel heard from a retired priest who was wrongly assessed $18,000 in taxes from his mother’s estate and from a California woman who went through a 17-year nightmare with the agency that arose from a mix-up over her husband’s identity.

The hearings were the first formal oversight of the tax agency conducted by the Finance Committee, which has nominal supervisory authority over the I.R.S.

Mr. Dolan said that the agency had programs to prevent harassment of taxpayers and abusive collection efforts, but acknowledged that in the cases presented to the Senate, and perhaps in many others, internal controls had broken down.

”While each case was different, the end result is indisputable: We were wrong in the way that we handled many aspects of their cases,” Mr. Dolan said beneath bright television lights in the cavernous Finance Committee hearing room. ”I fully appreciate that an apology is little consolation when it comes at the end of the stress and obvious frustration these men and women have experienced. Nevertheless, I do apologize to each of them. They deserved far better treatment from the I.R.S. than they received.”

Did this corruption begin in the 1970s with Watergate perhaps?

Nah. Harry Truman, considered by some to be the best US President was stained by corruption charges that lead to the firing or resignation of 166 lower level Federal employees in 1950.

In fact if we look back, we can see corruption and abuse of power clear back almost to the beginning of the US. In 1831, Robert Potter a Congressman from my other state North Carolina had to resign from office after castrating two men. Ouch.

It seems that there are good and bad people in every organization…. public and private. Governments probably have corruption and abuse of power at about the same level as private companies and other types of organizations do.

We have seen people in the US government start wars based on false information. We have seen them condone torture. We have seen them put people in illegal, hidden prisons… so why would anything be a surprise?

The second issues is that purportedly a corrupt Ecuadorian police we involved as well… and American Airlines as well.

I cannot comment except to say… we are digging for the facts which leads me to two legal tips about living and doing business abroad.

Legal Tip #1: Do not move from one country to another and feel that being beyond the borders of your previous home will provide you with special protection.

All organizations, governmental and not, have some corruption and abuse power. This is human nature. Expect it and be careful of it.

We live in a global economy that is growing more closely linked all the time. The long arm of the law can extend beyond borders.

A Time magazine article entitled “Can Swiss Banks Thrive After the UBS-U.S. Deal?” by Helena Bachmann outlines how much pressure US authorities can place on governments abroad.

An excerpt says: After months of behind-the-scenes wrangling that threatened to strain relations between Switzerland and the U.S., the fate of secret Swiss bank accounts reportedly holding billions of dollars in undeclared assets is finally resolved.Under an agreement announced by Swiss and U.S. authorities on Aug. 19, Switzerland’s second largest bank, UBS, will disclose the names of approximately 4,450 American account holders suspected by the IRS of evading taxes. In return, the U.S. Justice Department will withdraw its lawsuit against the banking giant and stop demanding the names of 52,000 Americans accused of hiding assets in offshore accounts.

US officials are not the only ones who abuse power and break laws. A BBC article “Liechtenstein fury at German tax snoop” by Steven Rosenberg explains how German tax authorities bribed a businessman for bank records.

Here is an excerpt: Germany has launched a tax evasion investigation using the data, which was supplied by an anonymous informant who was reportedly paid 5m euros (£3.75m; $7.3m). It was a former LGT employee who stole data relating to German businessmen in Liechtenstein.
It is thought this could be the same information that was bought up by the German secret service.

Germany went on to sell this data to all tax authorities in Europe and I was delighted when the Danish government turned the data down saying they refused to use information that had been illegally obtained. This is one reason I use Jyske Bank as my main international banker.

Americans can learn more about Jyske’s services from Thomas Fischer at fischer@jgam.com

Non Americans should write Rene Mathys at mathys@jbpb.dk

Here is tip legal #2 for living abroad. The reverse is also true. If you move to another country do not expect your citizenship to protect you if you fall afoul local law. Do not ignore local laws.

Some recent events remind us of this. A U.S. student recently convicted of murder in Italy found little help from being an American.

US citizens are not the only who have discovered this sad fact. Schapelle Leigh Corby, a 27 year old Australian woman traveling to Bali. Indonesia was arrested in 2004, at the airport after 4.2 kilograms of marijuana was found in her boogie-board bag. She was convicted of importing a group 1 narcotic and sentenced to serve 20 years in jail. All legal and judicial appeals have been exhausted.

About the same time Singapore executed a 25 year old Australian for drug smuggling despite repeated requests for clemency.

Laws in a new country you visit or move to may seem stupid.. exaggerated… or ignorant… but do not break them. For example Ecuador is very harsh on drugs and child molestation. Ecuador is one of the few countries I know that inspects for drugs when you come in and depart from the country. If you visit Ecuador, do not ignore this fact!

Every country has its customs, rules, regulations and foibles… in life… in law… in business.

One reader recently sent me this note.

Gary, I am interested in exploring the possibilities of Ecuador , but this seems like a lot of money to pay for the privilege of letting people try to sell me something. Seems like they should pay to be in the seminar. At first I thought it must include the room, but that’s not the case either. What am I missing?

Here is my reply: You are missing the fact that we do not sell real estate, do not allow our staff to accept commissions on the sale of real estate and have been buying our own real estate and doing business in Ecuador for 14 years.

We ask those whose property we show on the tour to give discounts to our delegates (as we are known to bring many buyers and do not charge commissions). We make sure that sellers show up. (A bad habit Ecuadorians have is often to not have the property open on time.)

We avoid showing property that in our experience is out of line price wise or quality wise.

We provide efficiency. There are few road signs in Ecuador… no organized brokers… no multiple listings… not many English speaking. We
plan routes so our delegates can see the most in the shortest time and have English speaking staff with the tours.

We provide contacts with brokers, attorneys architects etc who have shown to be trustworthy.

We share 41 years of experience investing globally and 14 years in Ecuador.

Otherwise chances are you’ll drive around… be lost… see little… and have no basis on which to compare and when and if you plan to buy
not know if the people you are dealing with are trustworthy.

We feel that our $499 fee is a bargain. If you hire a car with driver for four days… you’ll have spent almost as much just on transportation. Regards, Gary

Our Ecuador real estate tours help you learn the ropes in Ecuador. We also provide a very personal service that helps you save money and makes your trip to Ecuador more comfortable and secure. One delegate on a recent tour sent this note.

Merri, I don’t know how you and Gary give such great individual attention, but I sure appreciate it. Preparing myself for this trip and the even greater spector of preparing for a life outside the US does not come without a bit of anxiety. I am so thankful for yours and Gary’s kindness, attention to detail, and responsiveness. It makes it all seem a little more manageable! I’ll plan on spending at least the first 2 nights at the Radisson unless we are day two out of Quito. I will verify my flight with Bonnie. Thanks again Merri. Jim

We hope to help you in Ecuador soon.

Gary

Join us on Ecuador’s coast this winter. Attend our seminars and tours in Florida and Ecuador. See the best Ecuador property for you. Find the best real estate offers. Know more of Ecuador.To help you experience a bigger adventure in this wonderful nation, to broaden your horizons, to expand your awareness of all Ecuador offers, we are providing deep discounts in 2010 for those who sign up for multiple tours.

We just added four South coast Ecuador tours that can help you gainextra savings with a multi tour pack.

Three Pack… 3 seminar courses & tours $1399 Couple $1,899 Save $98 single or $348 on a couple or more

Four Pack… 4 seminar courses & tours $1,699 Couple $2,299 Save $98 single or $697 on a couple or more

Five Pack… 5 seminar courses & tours $1,999 Couple $2,699 Save $496 single or $1,046 on a couple or more

Six Pack… 6 seminars courses & tours $2,199 Couple $3,099 Save $795 single or $1,395 on a couple or more

These four new south coast tours and our six pack tour price create a bit of a crisis here.

As you can see above a six pack costs $3,099. This is already a really low price for a tour that last up to 21 days (under $150 a day).

But as you will see below, our International Club membership which allows you and a guest to attend up to 56 courses and tours in 2010 (fees would be $40,947 for all these courses individually) is only $2,999.

Which would you choose… 6 courses and tours for $3,099 or those same 6 courses and tours plus 50 more for $2,999?

“Duh,” I said when this was pointed out to me.

So our only solution is to raise the International Club membership to $3,500… still a terrific deal… but $501 more than before.

Save $37,457…plus $501. I will not raise the International club fee until January 2010. Enroll in the International Club now at the original fee of $2,999.

International Club 2010

Attend our 56 investment, business, Spanish, real estate and export, courses and tours in 2010 with one small enrollment fee.

You may well wonder why I would make such an offer and ask why the cost is so low? Let me answer this question frankly and from the heart.

First, it helps us do a better job for you. We feel greatly enriched when we can really help our clients improve their lives. We have learned through years of experience the best way to do this is to meet with you regularly. We can best help you learn how to improve your health and wealth through continual expansion of knowledge.

Second, we gain enormous fulfillment from the many friendships we form through the years. Our friends have enriched our lives tremendously. Let me explain this in more detail.

As a member, you will be part of our international family that meets intensively over the next year to examine ways we can make our lives better. Our goal is beyond just having money. Our goal is to have quantum wealth… good health… wealth and fulfillment through service.

Though I give all course delegates my very best, I cannot help but to do a better job for those who come again and again. As we meet often; your particular wants, needs and desires become clear, and it is easier for me to point you in the right direction.

Another phenomenon is that repeat delegates help each other! They get to know one another, help each other learn, share their insights, make contacts and gain more wealth.

Out associates in Ecuador, are experienced business people who live or work and conduct our real estate and export courses. They can also act as your local backup for the business.

Lifestyle for Two. There is more! I have learned at my courses that many repeat delegates were couples.

We want couples! As a member of the program, you are entitled to bring another person to every single course or tour. The cost for that extra person will be ZERO! You can bring whomever you wish. Bring your spouse, a friend, son or daughter, partner, accountant, adviser. You can bring the same person each time or a different person, whomever you choose to accompany you. (Accommodations and air fares relating to the courses are not included for members, delegates or their guests.)

Won’t you join us in this exciting club and share Merri’s and my lifestyle for the next year? We look forward to seeing you at as many courses as possible and sharing this wonderful world of abundance and well being with you!